sap library mexico deposits

Banking Services from SAP, Mexico Specifics

CUSTOMER

Document Version: 01 October, 2012

(C) SAP AG HELPX.FSLOCAL_MX 2

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Table of Contents

Banking Services from SAP, Mexico Specifics ......................................................................... 7

General Localization Functions .............................................................................................. 8

Tax Manager ...................................................................................................................... 9

Process Integration of Tax Management ...................................................................... 11

Account Management (FS-AM) ........................................................................................... 12

Configuration for Deposits Tax Management................................................................... 13

Defining Fiscal Region .................................................................................................. 14

Tax Manager Customizing Activities ............................................................................ 15

Defining Tax Operations ........................................................................................... 16

Defining Tax Types ................................................................................................... 17

Mapping Business Transaction Types to Tax Manager Operations ......................... 18

Mapping Condition Types to Tax Manager Operations ............................................ 19

Mapping Tax Manager Operations to Posting Transactions ..................................... 20

Specifying Tax Rates ................................................................................................ 22

Specifying Tax Exemptions for ISR .......................................................................... 23

Specifying Tax Assignments ..................................................................................... 24

Account Related Configuration Steps ........................................................................... 25

Specifying Account Types for Time Deposits ........................................................... 26

Specifying Transaction Types Related to Account Closure and Account Holder Change Events .......................................................................................................... 27

Business Partner Master Data for Deposits ..................................................................... 28

Business Transactions for Deposits ................................................................................. 29

Payment Item Creation ................................................................................................. 30

Account Settlement Execution ...................................................................................... 31


Banking Services from SAP, Mexico Specifics

Product Information

Product banking services from SAP, Mexico specifics

Release 7.0

Based On banking services from SAP 7.0

Documentation Published October, 2012

Use

The banking services from SAP for Mexico specific needs enables Compartamos to meet requirements and conduct business according to their common practices. It comprises the following:

Tax manager

The tax manager is a generic solution to process and calculate taxes. You customize the tax manager to meet the requirements for Compartamos. For more information, see Tax Manager [Page 9].

Account Management (FS-AM)

The specifications for Compartamos comprise extensions to transactions in deposits and loans to enable the calculation and processing of taxes by the tax manager. For more information about the functions, see Account Management (FS-AM) [External].

More Information

For information about the core functions of banking services from SAP, see Banking Services from SAP [External].

For information about the configuration of the tax manager for Compartamos, see Configuration for Deposits Tax Management [External].


General Localization Functions

This version includes the following general functions or components:

Tax Manager [Page 9] management of tax processing and calculation for banking services


Tax Manager

The tax manager is a generic solution that enables automatic calculation and posting of applicable taxes for banking operations based on customizable tax types, rates, and limits. It can be customized to support the specific tax requirements of a given country, region, tax area or customer.

This documentation describes the functional framework of the tax manager and the Customizing settings to implement tax calculations for a specific tax area. For information about the core components and applications of banking services from SAP, see Banking Services from SAP [External].

The tax manager is designed to process tax calculation requests from certain banking transactions based on the relevant taxes, rates, limits, exemptions, and other conditions specified in the configuration. When the tax manager receives a tax calculation request, it checks the configuration to determine how the tax calculation is to be carried out for the relevant transaction and the given base amount, including the following:

The tax operation to be carried out for the given transaction

The taxes that apply to that operation in the given tax area

The rates and limits for these taxes

Any applicable exemptions or special rates for the given business partner or account

The posting transaction to be used for the tax operation

The tax manager then calculates the tax amount and posts it accordingly.

Integration

The process overview below illustrates the components of the tax manager and their integration with the business processes that are configured to trigger tax calculations and with the relevant reference business objects.


Business ProcessBusiness Process

Process Step Process Step Process Step Process Step Process Step Process Step Process Step

Tax ManagerTax Manager

Process IntegrationProcess Integration

Tax Manager ControllerTax Manager Controller

Tax CalculatorTax CalculatorTax Master DataTax Master Data

Reference

Data

Reference

Data

Rules EngineRules Engine

Reference Business ObjectsReference Business Objects

Business Partner Contract Product Org Unit

The process integration layer builds the bridge between the process steps of a banking business process and the tax manager. For more information, see Process Integration of Tax Management [Page 11]. The tax controller aggregates the required calculator, rules engine, reference data and tax master data per tax type. The tax calculator performs the actual calculation for the respective tax type. The rules engine defines which rates, limits or waiver amounts apply for the tax calculation in a given process. The relevant tax master data (applicable rates, limits, waivers, and so on) is owned by the tax manager and can be maintained and updated as required. The reference data links to data sources, such as contract data, business partner data, banking product data, and so on, that are not owned by the tax manager, but are required in order to calculate taxes correctly.

Features

Customizing and Configuration

You can adapt the tax manager to country-specific regulations, customer-specific needs, business practices, and other requirements. This is done using the extensive Customizing as well as other configuration settings.

The main tax manager Customizing activities are located in Customizing for Financial

Services under General Localization Settings Tax Manager .

In addition, there may also be parameters in Customizing for Financial Services under

General Localization Settings Configure Localization Parameters for which parameter values need to be set. The relevant parameters are defined based on the specific requirements of the localization and the business application.

Finally, certain settings in the Financial Services configuration are also used by the tax manager as required.

This documentation describes how to set up your system for the tax manager.


Process Integration of Tax Management

Process integrator is the communication interface between banking services from SAP and tax manager. It translates conditions and transactions from banking services from SAP into operations used by tax manager. Process integrator also controls when each phase (preparation, execution, posting) of tax calculation is called and which taxes need to be calculated by tax manager.

Prerequisites

To customize the process integration functions in line with your requirements, follow the steps below:

Assign an implementation spot to process integrator.

You assign implementation spots to process integrators in Customizing for Financial

Services under General Localization Settings Tax Manager Process Integration

Settings Determine Process Integrator Implementation Spot .

Assign tax types to process integrator.

You assign tax types to process integrators in Customizing for Financial Services

under General Localization Settings Tax Manager Process Integration Settings

Assign Process Integrator Tax Type .

Features

The integration process is divided in three sequential phases, as follows:

1. Preparation: Process integrator retrieves reference data from different sources and organizes this information so that tax manager can calculate the tax.

2. Execution: Process integrator sends the taxes that need to be calculated to tax manager. Tax manager calculates the taxes and sends the results back to process integrator to be stored internally.

3. Posting: Process integrator sends the results of the tax calculation to the appropriate implementation spot.

Each of the phases above is enabled or disabled according to the tax type assigned to process integrator.


Account Management (FS-AM)

To meet Compartamos requirements, the banking services from SAP system comprises

enhanced functions in the Account Management (FS-AM) component. The enhanced

functions use the tax manager to calculate and process taxes.

Configuration

To enable the system to calculate tax correctly, you configure the tax manager. For information about the required configuration steps, see Configuration for Deposits Tax Management [Page 13].

Master Data

To enable the system to calculate tax specific to a business partner, you enter tax data in the business partner master data. For information about the data that you enter, see Business Partner Master Data for Deposits [Page 28].

Business Transactions

For information about the business transactions that trigger tax calculation, see Business Transactions for Deposits [Page 29].

More Information

For information about the tax manager, see Tax Manager [Page 9].


Configuration for Deposits Tax Management

This section describes the tax manager configuration for Compartamos.

Activities

The configuration of the tax manager comprises activities in the following areas:

Fiscal Region Definition [Page 14]

Tax Manager Customizing Activities [Page 15]

Account Related Configuration Steps [Page 25]


Defining Fiscal Region

Procedure

In Mexico, banks calculate the value-added tax (VAT) based on the fiscal region. For the border zone, banks charge 11%. And for the central zone, banks charge 16%.

To define the fiscal region, perform the following steps:

1. In the SAP Easy Access screen choose Tools Business Workflow Development Environment Organizational Management Detail Maintenance

Organizational Unit .

2. In the Maintain Organizational Unit screen, click on Settings, choose Country-Specific

Infotypes, choose For the following countries and enter MX in the Ctry field.

3. In the Maintain Organizational Unit screen, enter the organizational unit and press enter. Select the Fiscal Region for Mexico infotype, click on the Change infotype icon and enter the appropriate fiscal region.


Tax Manager Customizing Activities

Customizing for the tax manager comprises the following activities in Customizing for

Financial Services under General Localization Settings Tax Manager .

Activities

Defining Tax Operations [Page 16]

Defining Tax Types [Page 17]

Mapping Business Transaction Types to Tax Manager Operations [Page 18]

Mapping Condition Types to Tax Manager Operations [Page 19]

Mapping Tax Manager Operations to Posting Transactions [Page 20]

Specifying Tax Rates [Page 22]

Specifying Tax Exemptions for ISR [Page 23]

Specifying Tax Assignments [Page 24]

Note that there is a certain logic to the sequence of Customizing steps in this list. For example, you need to have defined a tax operation before you can assign business and posting transactions to it. Likewise, you need to have defined a tax type and tax area before you can specify the relevant rates and limits for that tax type in the given area, and so on.


Defining Tax Operations

The tax manager uses tax operations internally for tax processing and calculation purposes. The defined tax operations are associated with corresponding business transactions and posting transactions in banking services. The tax operations you define are later assigned to transaction types, financial conditions, processes, and so on.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings Tax

Manager Define Tax Operations .

2. Define the tax operations required for your tax calculations.

Example

Tx Op ID Debit Description

1 X CHARGE

2 X INTEREST

3 X DEBITS

4 CREDITS

5 CREDIT PAYMENT

6 CREDIT INTEREST

7 X CHARGE LOANS

8 X INTEREST LOANS

9 REPAYMENT LOANS

10 X EVENT CHARGES

11 LOANS RECEIVABLES


Defining Tax Types

Tax types represent the different taxes to be applied during tax processing and calculation in the tax manager. If required, you can assign the calculation of a tax type to a calculation class/interface instead of using the tax manager's standard calculation routines.

Procedure


Manager Define Tax Types .

2. Define the tax types required for your tax calculations.

Example

Tax Type

Description Class/Interface

MXVA MEXICO: VALUE ADDED TAX /FSLMX/CL_MEXICO_CALCULATOR

IDE MEXICO: TAX OVER CASH DEPOSITS /FSLMX/CL_MEXICO_CALCULATOR

MISR MEXICO: ISR TAX OVER INCOME /FSLMX/CL_ISR_CALCULATOR


Mapping Business Transaction Types to Tax Manager Operations

The tax manager uses a mapping table for the assignment of business transaction types to a given operation ID. You maintain the mapping entries as described below.

Procedure


Manager Assign Business Transactions to Operations .

2. Enter the relevant mapping assignments for all transaction types that are relevant for tax calculation.

Example

TranTyp Desc. Transact. Type Tax Op ID Description

020000 Bank Transfer 3 DEBITS

051000 Credit Bank Transfer 4 CREDITS

070100 Credit Check Deposit 5 CREDIT PAYMENT

080000 Cash Deposit 4 CREDITS

090015 Payment Receipt 5 CREDIT PAYMENT

100100 Debit Interest 2 INTEREST

100200 Overdraft Interest 2 INTEREST


Mapping Condition Types to Tax Manager Operations

The tax manager uses a mapping table for the assignment of condition types to a given operation ID. You maintain the mapping entries as described below.

Procedure


Manager Assign Condition Types to Operations .

2. Enter the mapping assignments for all transaction types that are relevant for tax calculation.

Example

CondTyp Condition Type Name Tax Op ID Description

500720 Loan Payoff Charge 7 CHARGE LOANS

501100 PrCond: (PP) Nom.Int.Rate 8 INTEREST LOANS

501501 Disb. Charge 7 CHARGE LOANS

105110 Credit Interest 2 INTEREST

105115 Credit Int. Time Deposit 2 INTEREST

115010 Acct. Maintenance Charge 1 CHARGE


Mapping Tax Manager Operations to Posting Transactions

The tax manager uses a mapping table for the assignment of operations to posting transactions and condition types. The tax manager posts the resulting amounts for a given tax type in a certain operation using the assigned posting transaction type or condition type (or a combination of both). You maintain the mapping entries as described below.

Procedure


Manager Assign Posting Transactions to Operations .

2. Enter the mapping assignments for each relevant combination of tax operation and tax type.

Example

Tax Op ID

Description

Tax Typ

e

Description

Transaction Type

Description

Condition

Type

Description

Rounding

Type

7 CHARGE LOANS

MXVA

MEXICO: VALUE ADDED TAX

910100 VAT for Charges

901504

VAT Transaction on Charge

8 INTEREST LOANS

MXVA


910110 VAT for Interest

901502 VAT Interest

1 CHARGE

MXVA



901504 VAT Over Charge

10

EVENT CHARGE

MXVA



901504 VAT Over Charge

2 INTEREST

MISR

MEXICO: ISR - TAX OVER INCOME

910120 ISR 999446 ISR

4 CREDITS

IDE

MEXICO: TAX OVER CASH DEPOSITS

910117 IDE for Cash Deposit


Tax Op ID

Description

Tax Typ

e

Description

Transaction Type

Description

Condition

Type

Description

Rounding

Type

12

IDE IDE

MEXICO: TAX OVER CASH DEPOSITS

910117 IDE for Cash Deposit


Specifying Tax Rates

You maintain the tax rates that apply for a given combination of tax type, tax area, and validity period as described below.

Procedure


Manager Specify Tax Rates .

2. Enter the applicable rates for each relevant combination of tax type, tax area, and validity period.

Example

Tax Rate ID

Valid From Valid To Tax Rate Tax

Type Countr

y Regio

n

98 01.01.2000 31.12.9999 16,0000000000 MXVA MX

99 01.01.2000 31.12.9999 11,0000000000 MXVA MX

3 01.01.2000 31.12.9999 0,6000000000 MISR MX

97 01.01.2000 3,0000000000 IDE MX


Specifying Tax Exemptions for ISR

Procedure

To specify tax exemptions for ISR, activate the following product attributes:

Starting Date of Validity Period

End Date of Validity Period

ISR Limit Amount

You activate the ISR exemption product attributes in Customizing for Financial Services under

Account Management Product Management Product Definition Account Products

Change Account Product Country-Specific Attributes Mexico Limit for ISR .

For more information about the product attributes, see the system documentation for each product attribute.


Specifying Tax Assignments

Tax assignments specify the tax types that apply to a given tax operation within a tax area. If there is more than one tax type that applies to a given tax operation you can define the sequence of taxes in the tax assignment for that operation. If applicable, you can define specific classes to handle special cases for rate and limit determination according to the tax being calculated. You maintain the tax assignments as described below.

Procedure


Manager Specify Tax Assignments .

2. Enter the applicable tax types for each relevant combination of tax operation and tax area.

3. In cases where you have assigned more than one tax type to a given operation you can use the Predecessor Tax Type field to define the sequence of taxes for that operation.

Example

Country

Region

Tax Op ID

Tax Type

Valid From

Valid To

Pred. Tax

Type

Class - Rate Specialization

Class - Limit

Specialization

MX 7 MXVA

01.01.2000

31.12.9999

/FSLMX/CL_VAT_DETERMINE_RATE

MX 8 MXVA

01.01.2000

31.12.9999


MX 7 MXVA

01.01.2000

31.12.9999


MX 8 MXVA

01.01.2000

31.12.9999


MX 2 MISR

01.01.2000

/FSLMX/CL_ISR_DETERMINE_RATE

MX 4 IDE 01.01.2000

/FSLMX/CL_IDE_DETERMINE_RATE

MX 12

IDE 01.01.2000

/FSLMX/CL_IDE_DETERMINE_RATE


Account Related Configuration Steps

Activities

The following steps are related to the configuration of accounts, account types, and so on, for the purposes of tax processing and calculation by the tax manager:

Specifying Account Types for Time Deposits [Page 26]

Specifying Transaction Types Related to Account Closure and Account Holder Change Events [Page 27]


Specifying Account Types for Time Deposits

To enable the tax manager to calculate tax correctly for time deposits (also known as 'fixed term deposits'), you need to identify those types of account. The tax manager therefore needs to determine which product group a given account belongs to. The product groups related to time deposits are identified in the configuration as described below.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings

Configure Localization Parameters .

2. Add all the relevant product groups for time deposits to the parameter values of the ACCOUNT_PRODUCT_GROUP parameter:

Parameter

o Localization: Mexico

o Parameter Group: TAX_MANAGER

o Parameter Subgroup: FIXED_TERM_DEPOSITS

o Parameter Name: ACCOUNT_PRODUCT_GROUP

Parameter Value

Enter all product groups related to time deposits.


Specifying Transaction Types Related to Account Closure and Account Holder Change Events

In Mexico, VAT applies to charges on account closure events. You need to specify which transaction types are related to account closure events in the configuration so that the system can calculate the correct tax amount over these events.

Procedure

1. In Customizing for Financial Services, choose General Localization Settings

Configure Localization Parameters .

2. Add all the relevant transactions related to account closure events to the parameter values of the EVENT_RELEVANT parameter:

Parameter

o Localization: Mexico

o Parameter Group: TAX_MANAGER

o Parameter Subgroup: VALUE_ADDED_TAX

o Parameter Name: EVENT_RELEVANT

Parameter Value

Enter all transaction types subject to account closure charge.


Business Partner Master Data for Deposits

To enable the system to process business partner master data in line with requirements for tax upon cash deposits, the banking services from SAP system contains enhancements to the standard business partner master data.

For more information about the standard business partner functions, see Processing Business Partner Data [External].

To meet requirements of Banco Compartamos, you use a special business partner role, MX0000, for your business partners.

Structure

The business partner role comprises the Tax Details tab page, on which you have details about the IDE charged/to be charged in a certain period of time.


Business Transactions for Deposits

In the banking services from SAP system for Mexico requirements, the following business transactions have been extended to trigger tax processing and posting by the tax manager:

Payment Item Creation [Page 30]

Account Settlement Execution [Page 31]


Payment Item Creation

In the banking services from SAP system for Mexico requirements, the transactions for payment item creation (in online, single or batch processing) have been extended to support tax calculation and processing by the tax manager.

The core functionality of the transactions is not affected by the connection to the tax manager. For information about the core functions of payment item creation, see Payment Items [External]. For more information about the tax manager, see Tax Manager [Page 9].


Account Settlement Execution

In the banking services from SAP system for Mexico requirements, the transactions for account settlement execution (in online, single or batch processing) have been extended to support tax calculation and processing by the tax manager.

The core functionality of the transactions is not affected by the connection to the tax manager. For information about the core functions of account settlement, see Account Settlement [External]. For more information about the tax manager, see Tax Manager [Page 9].

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